Business Platinum
- Annual fee
- $895
- Network
- amex
- Type
- business
It earns American Express Membership Rewards® points, with elevated earning on eligible flights and prepaid hotels booked through AmexTravel.com and on qualifying business purchases, subject to the card’s current terms and limits.
Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.
Three ways to value this card. Only one of them is yours.
What the issuer advertises.
Pays out with no hoops.
$4,280 of the advertised value — 60% — comes with strings attached.
- $7,129 advertised across 13 benefits.
- $4,280 (60%) needs a booking, enrollment, or deadline.
- Biggest credit — Amex Travel Online Flight Credit (Spend Tier), $1,200 — only via Amex Travel.
- American Express One AP Statement Credit (Spend Tier) ($2,400) posts automatically. No hoops.
- No-hoops value covers 318% of the annual fee.
- You book travel through Amex Travel.
- You'll actually use American Express One AP Statement Credit (Spend Tier).
- 5× on hotels matches your spend.
- You book direct, not via Amex Travel.
Welcome offer
Earn as high as 300,000 Membership Rewards points after spending $20,000 in purchases on your new Card within the first 3 months of Card Membership.
- Minimum spend
- $20,000
- Within
- 3 mo
Earning rates
- All other purchases1×ptsMembership Rewards
- Top earnHotelsPrepaid hotels booked through AmexTravel.com5×ptsMembership Rewards · AmexTravel.com
- Top earnFlightsBooked through AmexTravel.com5×ptsMembership Rewards · AmexTravel.com
- Construction materials and hardwareAt US construction material and hardware suppliers, up to $2 million of these purchases per calendar year (cap shared with other 1.5X categories)1.5×ptsMembership Rewards
- ElectronicsAt US electronic goods retailers, up to $2 million of these purchases per calendar year (cap shared with other 1.5X categories)1.5×ptsMembership Rewards
- SoftwareAt US software & cloud system providers, up to $2 million of these purchases per calendar year (cap shared with other 1.5X categories)1.5×ptsMembership Rewards
- ShippingAt US shipping providers, up to $2 million of these purchases per calendar year (cap shared with other 1.5X categories)1.5×ptsMembership Rewards
- All other purchasesOn single eligible purchases of $5,000 or more, up to $2 million of these purchases per calendar year (cap shared with key business categories)1.5×ptsMembership Rewards
On-card benefits & credits
- American Express One AP Statement Credit (Spend Tier)$2400/Annual
Receive up to $2,400 in credits toward American Express One AP monthly fees in the following calendar year. Unlocks after $250,000 calendar-year spend on the card.
- Amex Travel Online Flight Credit (Spend Tier)$1200/Annual
Receive up to $1,200 in statement credits for flights booked through AmexTravel.com in the calendar year after qualifying. Unlocks after $250,000 calendar-year spend on the card.
- Additional Dell Technologies Credit (Spend Tier)$1000/Annual
Receive an additional $1,000 statement credit after at least $5,000 in U.S. purchases directly with Dell Technologies per calendar year. Unlocks after $5,000 calendar-year spend on the card.
- ChatGPT Business Credit$300/Annual
Receive up to $300 per calendar year on U.S. purchases of auto-renewing ChatGPT Business subscriptions; enrollment is required.
- $600 Hotel Credit$300/Annual
Receive up to $300 semi-annually on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through Amex Travel; The Hotel Collection requires a two-night minimum stay.
- American Express Venue Collection Rebate$250/Annual
Receive 10% back on qualifying concessions purchases, up to $250 per calendar year, after enrolling one eligible card; select venues may also provide dedicated entrances or fast lanes.
- Adobe Credit$250/Annual
Receive a $250 annual statement credit after spending at least $600 on U.S. purchases directly with Adobe; enrollment is required.
- CLEAR+ Credit$219/Annual
Receive up to $219 per calendar year toward an auto-renewing CLEAR+ membership, excluding taxes and fees.
- Airline Fee Credit$200/Annual
Select one qualifying airline and receive up to $200 per calendar year for incidental airline fees charged to the card.
- Dell Technologies Credit$150/Annual
Receive up to $150 annually on U.S. purchases directly with Dell Technologies. An additional $1,000 credit unlocks after $5,000 in eligible annual Dell purchases and is listed separately.
- Global Entry or TSA PreCheck Fee Credit$120/One-time
Receive either a $120 Global Entry application-fee credit or up to $85 for TSA PreCheck every four years when charged to the card.
- The Hotel Collection Property Credit$100/One-time
Receive a $100 property credit toward eligible charges when booking at least two nights with The Hotel Collection through AmexTravel.com.
- Indeed Credit$90/Quarterly
Receive up to $90 per quarter in statement credits for purchases with Indeed, up to $360 per year; enrollment is required.
- Hilton Credit$50/Quarterly
Hilton for Business members receive up to $50 quarterly on eligible purchases made directly with Hilton; enrollment is required.
- U.S. Wireless Service Credit$10/Monthly
Receive up to $10 per month for wireless phone service purchased directly from a U.S. wireless telephone service provider; enrollment is required.
- Marriott Bonvoy Gold Elite Status$0/Annual
Receive Marriott Bonvoy Gold Elite status without meeting stay requirements; enrollment is required.
- 10 Delta Sky Club Visits$0/Annual
Receive 10 complimentary Delta Sky Club visits annually when flying on an eligible Delta flight.
- 35% Airline Bonus$0/Annual
Get 35% of points back after using Pay with Points for flights booked through Amex Travel with the selected qualifying airline, up to 1,000,000 points per calendar year.
- Platinum Member Airfares$0/Annual
Access reduced fares on select premium international tickets and select economy domestic tickets booked through Amex Travel with participating airlines.
- Purchase Protection$0/Annual
Protects covered purchases against accidental damage, theft or loss for up to 90 days from the purchase date, subject to per-purchase and annual limits.
Other American Express cards
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